Personal Loans

The Fast, Easy Way to Apply Online for a Personal Loan

When expenses come up or great deals are on offer or just when you have to book emergency travel, don’t reach for your credit card. Reach for the phone. Call Rapid Loans. Our flexible personal loans and quick online application process can give you the opportunity to access the funds you need when you need them.

Personal loans tailored for you, whatever your lifestyle

Offering a tailored personal loan with same-day application and approval1 all with excellent customer service, a Rapid Loans personal loan is a great way to take control when you need over $2,000 and up to $10,000 and you need it fast.

Your personal circumstances won’t get in the way. Our dedicated consultants can help you achieve your financial goals through building you a truly personal loan that can accommodate almost any lifestyle, income status, credit history or other circumstance.

Personal Loan Calculator

Use our simple personal loan calculator to find out how much you can borrow.

Flexible repayments

At Rapid Loans our personal loans are simple and easy-to-understand. Wait, how does that match with our ability to find a loan for nearly anyone? The answer is, instead of offering scores of different loans, we offer a single personal loan package with the flexibility to give you the solution that suits you.

As a new customer, you can rest assured knowing we will treat you as a unique individual in terms of needs, budget, lifestyle and finances. We pride ourselves on our ability to quickly find the right personal loan for each customer’s application. And fast! Often, the entire process, from application to payment, takes less than 48 hours.

We also know your life and circumstances can change throughout the personal loan duration. It’s why we make sure your repayments can be easily adapted to suit.

What do I need to apply for a loan?

Getting your documentation together to support your Rapid Loans application isn’t hard. Remember, there are just 3 basic things we have to know:

Your identity

Your financial circumstances

Your lifestyle

Personal cash loans vs. credit cards

Credit cards can seem like the easiest way to access cash fast, but that straight-to-the-wallet convenience comes with some serious drawbacks and hazards.

While they do have their uses, credit cards are so easy to use because they need to employ a combination of high interest rates and complicated fee structures. They’re especially difficult to use if you’re on a careful budget. The companies offering them also make more profit through interest and fees the longer you stay in debt. A credit card debt can feel like it never ends.

A personal loan is a different way. At Rapid Loans, we’re in business to help you achieve your financial goals. Our loan costs are carefully structured: they are a for a fixed amount, for fixed fees, over a fixed repayment term. It’s simple, predictable, reliable and there are no unpleasant surprises.

For example, we can tell you straight up that a loan of $2,500 over a 24-month term has a total cost of credit, including all applicable fees, of exactly $1,394.38.

Get a personal loan fast

When you need a personal loan, you generally want it fast! It can be an exciting and stressful time. Our approach to application, approval and payment of personal loans is in our name: Rapid.

Find out how to apply online instantly, or call 1300 727 431 to speak to a personal loans consultant who will guide you through the online application process, helping you get the quick and easy approval you need.

Apply on your morning coffee break and, if your application meets every step, you could receive an approval by your afternoon coffee break.

Talk to a personal loans consultant

Applying online for our cash advance loans is fast and easy. It’s simple, it’s straightforward and it takes just three steps:

Gather your identity and financial documents – just a few minutes work.

Visit Apply Now and fill in our online form – we only ask for the essential information we need to get your application moving.

Stay by your phone – a friendly loans consultant will be with you within just a few business hours. We aim to respond within 2 to 3 business hours.

Christina, Mawson Lakes

I needed some money to pay off two smaller loans and part fund a family trip to the Philippines. I was blown away by how fast and efficient Rapid Loans was, always keeping me in the loop during the process and making me feel like I was their only client. A big thank you to Rapid Loans for their excellent service

Could Debt Consolidation Help You?

A debt consolidation loan can take away so much stress in your life and simplify your whole debt repayment system. A debt consolidation loan can be a great way to take the first step towards financial freedom. The way it works is that you add up all your varied debts and apply for an online… [Read More]

*This site may provide an estimate only of loan repayments but does not constitute a loan offer by Rapid Loans Pty Ltd. Australian Credit Licence 388847. Any estimated repayment amount displayed may vary due to the effect your personal requirements may have on loan repayment calculation. Rapid Loans is committed to responsible lending. All loans are subject to an approval process which is subject to our lending criteria and an assessment of borrower suitability.

1Subject to assessment of affordability and suitability.

All secured loans have a maximum Annual Percentage Rate (APR) of 48% or less. A secured personal loan of $2,500 with a 24 month term has a maximum total cost of credit, including all applicable fees, of $1,617.43 which equates to a maximum Annual Cost Rate (ACR) of 48.00% and a maximum Comparison Rate of 66.25%. For personal loans, there is a minimum loan repayment period of 6 months and maximum loan repayment period of 24 months. A secured Car Loan of $10,000 with a 36 month term has a maximum total cost of credit, including all applicable fees, of $8,940.50, which equates to a maximum ACR of 48.00% and also a maximum CR of 48.00%. Car Loans have a minimum loan repayment period of 18 months and maximum loan repayment period of 40 months.

Please note the following Government warning:Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.